The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$58,732
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,559
−HK$1,856/mo
Today · 4.125%
HK$62,415
baseline
▲ 0.50% · 4.625%
HK$66,212
+HK$3,797/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,830/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,338
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,091
−HK$1,777/mo
Today · 4.125%
HK$68,868
baseline
▲ 0.50% · 4.625%
HK$72,499
+HK$3,631/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,736/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,478
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$72,670
−HK$2,228/mo
Today · 4.125%
HK$74,898
baseline
▲ 0.50% · 4.625%
HK$79,455
+HK$4,557/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,796/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,406
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,509
−HK$2,133/mo
Today · 4.125%
HK$82,642
baseline
▲ 0.50% · 4.625%
HK$86,998
+HK$4,356/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,284/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,224
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$84,782
−HK$2,599/mo
Today · 4.125%
HK$87,381
baseline
▲ 0.50% · 4.625%
HK$92,697
+HK$5,316/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$174,762/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,474
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$93,927
−HK$2,489/mo
Today · 4.125%
HK$96,416
baseline
▲ 0.50% · 4.625%
HK$101,498
+HK$5,082/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$192,832/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,717
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$109,005
−HK$3,341/mo
Today · 4.125%
HK$112,346
baseline
▲ 0.50% · 4.625%
HK$119,182
+HK$6,836/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$224,692/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,609
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$120,763
−HK$3,200/mo
Today · 4.125%
HK$123,963
baseline
▲ 0.50% · 4.625%
HK$130,497
+HK$6,534/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$247,926/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,656 · Scale 2, in force from 26 Feb 2026)